Travel identity tokening

ABSTRACT

A system for leveraging a tokening system to authenticate a traveler while maintaining anonymity of the traveler is provided. The system may include a secure central server configured to store identification data associated with a plurality of users. The system may also include a mobile token application for providing a token identifier representing a user&#39;s identification data. The mobile token application may be activated by the central server on a mobile device of the user registered with the central server and stored in a secure storage on the mobile device of the user. The system may also include a travel service provider. The travel service provider may be configured to enable reserving a travel reservation file. The travel service provider may be enabled to retrieve a token identifier from the user&#39;s mobile device as representing the identification of the user and verify the token identifier with the central server.

FIELD OF TECHNOLOGY

Aspects of the disclosure relate to authentication of a traveler whilemaintaining anonymity of the traveler's identity.

BACKGROUND OF THE DISCLOSURE

A traveler is required to display the traveler's identity throughout thedifferent parts of preparing and reserving travel arrangements as wellas during the travelling itself. The traveler's identity is exposed tomany different entities involved in the travel arrangements. Mostentities do incorporate high level measures of security within theirsystems to protect a user's identity from identity theft.

However, during the reserving of travel flights, the user's identity maybe passed on to numerous third-party systems such as airline/hotelreservation systems and airline/hotel checking-in systems. Despite thesecurity of each third-party's system, the passing on of the user'sidentity increases the chance of identity theft.

It would be desirable to eliminate the need to display and transfer thetraveler's identity by enabling the traveler to be identifiable only bya token throughout the travel. Each entity involved in the process ofthe travelling for the traveler, may be in communication with a singletrusted source. The single trusted source may be the only source thatstores personal identifying data of the traveler. Each entity involvedin the process of travel reservations and confirmations may be enabledto, using the token, authenticate the traveler via the single trustedsource.

SUMMARY OF THE DISCLOSURE

A method for leveraging a tokening system to authenticate a traveler isprovided. The tokening system may be leveraged to maintain anonymity ofthe traveler. The method may include activating a mobile tokenapplication for a user. The user may be the traveler. The user may be auser of a secure central server. The secure central server may be aserver associated with a central system. The central system may be asingle trusted source for the authentication of the traveler.

The mobile token application may be activated by the central server. Themobile token application may be configured for providing a tokenidentifier representing the user's personal identification data. Theuser's personal identification data may include the user's name and adate of birth of the user. The user's personal identification data mayalso include the user's social security number. In some embodiments, thepersonal identification data may also include the user's passportidentification number and/or driver's license number.

The mobile token application may be activated and then stored in asecure storage on a mobile device of the user.

It should be appreciated that the mobile device of the user may also beregistered within a personal profile account associated with the user onthe central server. The mobile device may be registered and stored usinga device identifier.

Examples of mobile devices that may be suitable for use with theinvention include, but are not limited to, cellphones, smartphones,personal digital assistants (“PDA”), tablet computers and laptops.

The method may also include storing, in the central server, a useridentifier that identifies the user of the mobile device. The method mayalso include storing a token serial number that identifies the mobiletoken application and also storing a device identifier that identifiesthe mobile device.

The user identifier may only be stored at the central server. The useridentifier may be linked at the central server to the user's personalidentification data. However, it should be appreciated that the useridentifier and the linked personal identification data may not beaccessed by any third party including the travel service provider.

Following the activating of the mobile token application, the mobiledevice may be enabled for reserving, using the mobile token applicationon the mobile device, a travel reservation file for the user. Thereserving may be enabled using at least one travel service provider. Thetravel service provider may be in direct communication with the centralserver. The communication may be an electronic communication.

The reserving may include receiving, at the travel service provider, thetoken identifier from the mobile token application on the user's mobiledevice. The receiving may also include receiving the device identifierfrom the mobile token application. The reserving may further includetransmitting the token identifier and the device identifier, from thetravel service provider to the central server.

The reserving may also include authenticating the token identifier andthe device identifier by the central server. The authenticating mayinclude searching the database on the central server for the useridentifier that is associated with both the token identifier and thedevice identifier.

In response to the authenticating, the method may include reserving thetravel reservation file by the travel service provider. The method mayalso include storing within the travel reservation file, the tokenidentifier as the representation of the identity of the user. The methodmay also include storing, in the central server, the token identifierand a travel reservation file identifier, in a record associated withthe token serial number.

BRIEF DESCRIPTION OF THE DRAWINGS

The objects and advantages of the disclosure will be apparent uponconsideration of the following detailed description, taken inconjunction with the accompanying drawings, in which like referencecharacters refer to like parts throughout, and in which:

FIG. 1 shows an illustrative system in accordance with principles of thedisclosure.

FIG. 2 shows an exemplary diagram in accordance with principles of thedisclosure.

FIG. 3 shows an exemplary diagram in accordance with principles of thedisclosure.

FIG. 4 shows an exemplary diagram in accordance with principles of thedisclosure.

FIG. 5 shows an exemplary diagram in accordance with principles of thedisclosure.

DETAILED DESCRIPTION OF THE DISCLOSURE

A system for leveraging a tokening system to authenticate a traveler isprovided. The authentication of the traveler may be enabled whilemaintaining anonymity of an identity of the traveler. The system mayinclude a secure central server. The secure central server may be asingle trusted source for storing and protecting the identity of thetraveler. The secure central server may be a server for a centralsystem. In some embodiments the central system may be a financialsystem. The traveler may be a user of the financial system and may usethe financial system for protection and security of the user's identity.

The central server may be configured to store personal identificationdata associated with a plurality of users of the central system. Eachuser may include a user identifier. Alongside each user identifier, theuser's personal identification data may be included. The personalidentification data may include the name of each user. The personalidentification data may also include the date of birth of each user. Thepersonal identification data may also include the social security numberfor each user. In some embodiments, the personal identification data mayalso include a passport identification number and/or driver licenseidentification of each user.

A user may register the user's mobile device with the central server. Adevice identifier may be assigned to the mobile device and may also bestored with the user identifier. The registering of the user's mobiledevice may be in order to protect and secure any outsider or hacker fromaccessing the mobile token application on the mobile device of the user.

When a user of the central system may prefer to maintain anonymity, theuser may be enabled to activate the mobile token application on theuser's mobile device and utilize the token identifier provided by themobile token application as representation of the identity of the user.

The central server may act as the back-end server for activating themobile token application. The central server may include a mobile tokenapplication generator. The mobile token application generator may beconfigured to generate a unique mobile token application for each user.The mobile token application may be generated for activation on a mobiledevice associated with each user. The mobile token application may be asoftware application and/or hardware element.

The activation of the mobile token application may enable a mobile tokenapplication to be planted and activated on the user's mobile device. Assuch, the mobile device may receive permission to activate the mobiletoken application. The mobile device may receive a communication fromthe central server. The communication may include the mobile tokenapplication (or a hyperlink that enables download of the mobile tokenapplication) and an activation code. The mobile device may validate theactivation code by communicating with the central server. The mobiledevice may receive selection of a PIN. The mobile device may validatethe PIN with the central server. Upon completion of the activation codevalidation and PIN validation, the mobile token application may beactivated on the mobile device. The central server may store a useridentifier that identifies a user of the mobile device, a token serialnumber that identifies the mobile token application and a deviceidentifier that identifies the mobile device.

The mobile device may be enabled to be in direct communication with thecentral server.

The mobile token application may be stored in a secure storage withinthe mobile device. The mobile token application may be stored in anencrypted manner in a secure area on the user's mobile device so thatthe mobile token application cannot be hacked or tampered.

The mobile token application may reside temporarily on the mobiledevice. The mobile token application may reside within the securestorage for a pre-determined amount of time. The pre-determined amountof time may be the time of expiration of a travel reservation of theuser of the mobile device. When a token identifier is provided foridentification for the user in a travel reservation, the mobile tokenapplication may be set to expire and be inoperative after the set dateof the travel reservation. By enabling the application to be temporary,this may reduce the chance for the mobile token application to becompromised by an outsider.

Each time a user may reserve a travel reservation for travelling, thesystem may include activating a new mobile token application on theuser's mobile device to better protect the identity of the user and inorder to avoid an attacker from compromising the token application.

The system may also include a travel service provider. The travelservice provider may be a third-party provider for travelling. Thetravel service provider may also be enabled to be in directcommunication with the central server. The travel service provider maybe accessed via an online website. The travel service providers systemmay communicate with the central server.

The travel service provider may be configured to enable creating atravel reservation file for a travel reservation. The travel reservationfile may be reserved for the user while maintaining anonymity of theuser's identity. The travel service provider may include an onlineportal for reserving travel reservations.

The travel service provider may include a token reader. The token readermay be computer hardware enabled for retrieving token identifiers from auser's mobile device as a representation of the identification of eachuser.

When the mobile device is in communication with the travel serviceprovider, the central server may be configured to transmit the mobiletoken application to the mobile device and activate the mobile tokenapplication on the mobile device.

The mobile token application may be configured to generate a tokenidentifier for use as identity of the user of the mobile device. Themobile device may be configured to transmit the token identifier to thetravel service provider as representative of the identity of the user inorder to create and reserve the travel reservation file.

The central server may be further configured to receive the tokenidentifier from the travel service provider. The central server mayfurther verify the token identifier to be associated with the mobiledevice of the user.

In response to the verification, the central server may be configured toconfirm the verification with the travel service provider. The centralserver may be further configured to store the travel reservation withina token record associated with the user on the central server. The tokenrecord may be stored under the token serial number associated with themobile token application.

It should be appreciated that the central server may store a tokenrecord list for each user of the system. The token record list mayinclude a record for each generated and activated mobile tokenapplication activated on a user's mobile device. When a new mobile tokenapplication is activated on a device, the mobile token application datamay be stored in a new record. Each time the mobile token applicationgenerates a token identifier for a user as identification of the userwithin a transaction, the token identifier and the data associated withthe transaction may be stored in the record. This may enable the centralsystem to monitor and keep track of the transactions occurring. Eachtransaction may be a step in the process for reserving and confirming atravel reservation and travel reservation file for the user.

In some embodiments, the system may also include a point-of-travel(“POT”). The POT may be a POT device. The POT device may be aself-standing computer kiosk to check-in for an airplane flight and/orother forms of travelling.

The POT device may be in direct communication with the central server.The POT device may be enabled to accept token identification as arepresentation of a user's identity. The POT device may include a tokenreader. The token reader may be configured to retrieve a tokenidentifier from the user's mobile device as a confirmation for thetravel reservation.

When the user is at the POT to confirm travelling, the POT may beconfigured to retrieve from the user's mobile device, a payload from themobile device to the POT device. The payload may include the geolocationof the mobile device in real-time. The payload may also include thetoken identifier. The payload may also include metadata associated withthe mobile device.

Following receipt of the payload at the POT device, the POT device maybe configured to transmit the payload to the central server. The POT mayalso be configured to transmit a geolocation of the POT device alongwith POT device data. The central server may be enabled to verify theuser's travel reservation based on the geolocation and the tokenidentifier included in the payload.

The central server may verify the payload with the POT by confirmingthat the token identifier retrieved by the POT device maps to the tokenidentifier stored in the first record associated with the user. Thecentral server may further verify the payload with the POT by confirmingthat the geolocation of the mobile device matches the geolocation of thePOT device. The central server may also verify the payload with the POTby confirming that the mobile device transmitting the payload is themobile device associated with the user of the central server.

It should be appreciated that a first token identifier generated by themobile token identifier may be different from a second token identifiergenerated by the mobile token identifier at a later point in time.Although two or more tokens may differ, each token identifier generatedby the mobile token identifier may include data that identifies themobile device and the token application serial number. Token identifiersgenerated by the mobile token generator may not include data identifyinga traveler. A token identifier, when received by the central server, maybe used to identify a traveler by matching or correlating data in thetoken identifier with data stored, and associated with, the traveler inthe central server.

The system may include multi-factor authentication to authenticate thetoken identifier as representing the identification of the user. Themulti-factor authentication may include, following the verifying of thetoken identifier, verifying the mobile device further by transmitting amessage from the central server to the mobile device of the user. Themessage may be a text-message. The message may be a short messageservice (“SMS.”) The message may be an e-mail.

The message may include a one-time password (“OTP”). The OTP may begenerated by the central server for the user's mobile device. An OTPapplication may be embedded on the user's mobile device. The centralserver may transmit an OTP request to the OTP application. The OTPapplication may generate an OTP. The OTP may then be transmitted to theuser in a message. The OTP may then be inputted into a display box atthe POT device. The POT device may transmit the OTP to the centralserver to further confirm the mobile device as being the mobile deviceof the user.

One of ordinary skill in the art will appreciate that the steps shownand described herein may be performed in other than the recited orderand that one or more steps illustrated may be optional. Apparatus andmethods may involve the use of any suitable combination of elements,components, method steps, computer-executable instructions, orcomputer-readable data structures disclosed herein.

Illustrative embodiments of apparatus and methods in accordance with theprinciples of the invention will now be described with reference to theaccompanying drawings, which form a part hereof. It is to be understoodthat other embodiments may be utilized and that structural, functionaland procedural modifications may be made without departing from thescope and spirit of the present invention.

As will be appreciated by one of skill in the art, the inventiondescribed herein may be embodied in whole or in part as a method, a dataprocessing system, or a computer program product. Accordingly, theinvention may take the form of an entirely hardware embodiment, anentirely software embodiment or an embodiment combining software,hardware and any other suitable approach or apparatus.

Furthermore, such aspects may take the form of a computer programproduct stored by one or more computer-readable storage media havingcomputer-readable program code, or instructions, embodied in or on thestorage media. Any suitable computer readable storage media may beutilized, including hard disks, CD-ROMs, optical storage devices,magnetic storage devices, and/or any combination thereof. In addition,various signals representing data or events as described herein may betransferred between a source and a destination in the form ofelectromagnetic waves traveling through signal-conducting media such asmetal wires, optical fibers, and/or wireless transmission media (e.g.,air and/or space).

FIG. 1 shows an illustrative system 100 in accordance with principles ofthe disclosure. System 100 may include a central server 102. Centralserver 102 may be a secure central server. Central server 100 may be aserver associated with a system of an entity. The entity may be a securefinancial entity. The entity may include a plurality of users.Identification data, financial data and other personal data may bestored in the central server for each of the users of the entity.

Central server 102 may include one or more of the following hardwarecomponents: I/O circuitry, which may include a transmitter device and areceiver device and may interface with fiber optic cable, coaxial cable,telephone lines, wireless devices, physical network layer hardware, akeypad/display control device or any other suitable encoded media ordevices; peripheral devices, which may include counter timers, real-timetimers, power-on reset generators or any other suitable peripheraldevices; a logical processing device, which may compute data structuralinformation, structural parameters of the data, or quantify indices; andmachine-readable memory.

Machine-readable memory may be configured to store, in machine-readabledata structures: machine learning algorithms, AI algorithms, or anyother suitable information or data structures. Components of the servermay be linked by a system bus, wirelessly or by other suitableinterconnections. System components may be present on one or morecircuit boards. In some embodiments, the components may be integratedinto a single chip. The chip may be silicon-based.

The server 102 may include RAM, ROM, an input/output (“I/O”) module anda non-transitory or non-volatile memory. The I/O module may include amicrophone, button and/or touch screen which may accept user-providedinput. The I/O module may include one or more of a speaker for providingaudio output and a video display for providing textual, audiovisualand/or graphical output.

Software applications may be stored within the non-transitory memoryand/or other storage medium. Software applications may provideinstructions to the processor that enable the server to perform variousfunctions. For example, the non-transitory memory may store softwareapplications such as an operating system, application programs, and anassociated database. Some or all of computer executable instructions ofthe server may be embodied in hardware or firmware components of theserver.

The server 102 may include cloud computing and virtualizationimplementations of software. Such implementations may be designed to runon a physical server supplied externally by a hosting provider, aclient, or other virtualized platform.

Software application programs, which may be used by the server, mayinclude computer executable instructions for invoking user functionalityrelated to communication, such as email, short message service (“SMS”),voice input and speech recognition applications. Software applicationprograms may utilize one or more algorithms that formulate predictivemachine responses, formulate database queries, process human callerinputs, process human agent inputs, or any other suitable tasks.

The server 102 may include a communication circuit. The communicationcircuit may include a network interface card or adapter. When used in aWAN networking environment, apparatus may include a modem, antenna orother circuitry for establishing communications over a WAN, such as theInternet. The communication circuit may include a modem and/or antenna.The existence of any of various well-known protocols such as TCP/IP,Ethernet, FTP, HTTP and the like is presumed, and the server may beoperated in a client-server configuration to permit retrieval of webpages from a web-based server. Web browsers can be used to display andmanipulate data on web pages.

Central server 102 may include various other components, such as adisplay, battery, speaker, and antennas. Network connected systems maybe portable devices such as a laptop, tablet, smartphone, other “smart”devices (e.g., watches, eyeglasses, clothing having embedded electroniccircuitry) or any other suitable device for receiving, storing,transmitting and/or displaying electronic information.

Central server 102 may include, and may be operational with, numerousother general purpose or special purpose computing system environmentsor configurations. Examples of well-known computing systems,environments, and/or configurations that may be suitable for use withthis disclosure include, but are not limited to, personal computers,server computers, handheld or laptop devices, tablets, “smart” devices(e.g., watches, eyeglasses, clothing having embedded electroniccircuitry) mobile phones, multiprocessor systems, minicomputer systems,microprocessor systems, mainframe computers, distributed computingenvironments that include any of the above systems or devices, and thelike.

Central server 102 may utilize computer-executable instructions, such asprogram modules, executed by a processor. Generally, program modulesinclude routines, programs, objects, components, data structures, etc.that perform particular tasks or implement abstract data types. A servermay be operational with distributed computing environments where tasksare performed by remote processing devices that are linked through acommunications network. In a distributed computing environment, programmodules may be located in both local and remote computer storage mediaincluding memory storage devices. A server may rely on a network ofremote servers hosted on the Internet to store, manage, and process data(e.g., “cloud computing” and/or “fog computing”).

Central server 102 may include database 106. Database 106 may includenumerous tables. The tables may store data associated with the users. Inthis exemplary diagram, database 106 is configured to store personalidentification data associated with each user. Each user may be assigneda user identifier. Each user may have the user's identification datastored under the user identifier.

Central server 102 may also include a token application generator 104.Token application generator 104 may be configured to generate mobiletoken applications for users and push the mobile token application tothe user's mobile device for activation. Mobile token applications, forthe purposes of the disclosure, may be activated on a user's mobiledevice in order to provide token identifiers for authentication of theuser in place of the identity of the user.

Illustrative system 100 may include the token activation process forinstalling a mobile token application on a single user's mobile device.When a user requests activation of a mobile token application on theuser's mobile device, central server 102 may be the trusted source forall the communications.

In this token application process, token application generator 104 maybe configured to transmit mobile token application 108 to a user'smobile device 110. Mobile device 110 may be configured to execute theactivation of the mobile token application 108 as shown at 112.

In some embodiments, the activation of the mobile token application 108may include a secure handshake 114 between the two systems. The securehandshake between central server 102 and mobile device 110 may includereceipt of a communication from the secure central server 102. Thecommunication may include the mobile token application 108 (or ahyperlink that enables download of the mobile token) and an activationcode. In other embodiments, mobile token application 108 may be includedin an email with instructions shown at 110. In yet other embodiments, ahyperlink may be included in the email with instructions. The hyperlink,when selected may open a browser and direct the browser to a web pagethat downloads mobile token application 108 to mobile device 102. Thecentral server 102 may transmit an email with instructions and anactivation code to mobile device 102.

The mobile device 110 may validate the activation code by communicatingwith the secure central server 102. Mobile device 102 may receiveselection of a PIN. Mobile device 102 may validate the PIN with thesecure central server. Upon completion of the activation code validationand PIN validation, the mobile token application 108 may be activated onthe mobile device 110. Secure central server 102 may store a useridentifier that identifies a user of the mobile device, a token serialnumber that identifies the mobile token application and a deviceregistration number that identifies mobile device 110.

Mobile token application 108 may be stored in a secure storage on themobile device 110. Mobile device 108 may be enabled to be in directcommunication with central server 102.

FIG. 2 shows an exemplary diagram 200. Exemplary diagram 200 shows atraveler securing a travel reservation using token identifiers aspersonal identification in accordance with principles of the disclosure.

Exemplary diagram 200 may include a secure central server 202. Traveler208 may be a user of the entity associated with central server 202.Traveler 208 may be the owner of mobile device 204. Traveler 208 may beassigned a user identifier by the central server 202. Identificationdata and other data associated with traveler 208 may be stored under theuser's identifier. Mobile device 204 may be registered at the centralserver as the user's mobile device and may be assigned a deviceidentifier. The device identifier may also be stored under the user'sidentifier.

Mobile token application 206, when activated on the traveler's mobiledevice, may include a token serial number. The token serial number maybe stored under the user's identifier at the central server 202. Eachevent where the mobile token application 206 generates a tokenidentifier, the token identifier and other identifying information maybe stored in a record under the token serial number associated with thetoken application 206.

At step 1, shown at 214, traveler 208 may be in communication withtravel service provider 210 in order to reserve a flight. Mobile tokenapplication 206 on the traveler's mobile device may be configured togenerate a token identifier 214. Token identifier 214 may be transmittedto the travel service provider 210. Travel service provider 210 may be acomputing device that may include a token reader 212. Token reader 212may be configured to retrieve the token identifier.

Travel service provider 210 may also capture the device identifier 226from mobile device 204 in order to validate the token identifier 214.

In some embodiments, when the traveler may be in close distance to thetravel service provider computing device, token reader 212 may beconfigured to retrieve the token identifier 214 from the mobile device204 using NFC capabilities. In other embodiments, when the traveler maynot be within close distance, the transmitting of the token identifier214 may be an electronic transmission over the internet.

At the same time as step 214, or prior to step 214, there may be acommunication between mobile device 204 and central server 202, as shownat 1A step 224. The communication may include data notifying centralserver 202 that a token identifier has been or is being sent to travelservice provider 210.

At step 2, 216, travel service provider 210 may validate the tokenidentifier 214 with central server 202. Central server 202 may retrievefrom travel service provider 210, device identifying data. Centralserver may search the database located on central server 202 to identifya user identifier associated with the token identifier 214 and thedevice identifier 226. Upon identification of the user identifierassociated with both token identifier 214 and device identifier 226,central server 202 may validate the token identifier and confirmvalidation with travel service provider 210.

In response to the confirmation, travel service provider may reserve areservation A and save a travel reservation file for traveler 208 atstep 3, 218. At step 4, 222, central server 202 may store thereservation A and the token identifier 214 within the record 220 of theuser associated with token serial number 123.

It should be appreciated that travel service provider 210 may store atravel reservation file for reservation A for traveler 208. Traveler 208may be identified by the travel service provider by the token identifier214. There may be no identifying information associated with thetraveler at the travel service provider 210. Personal identifying datamay only be stored at the central server 202 and may only be accessed bycentral server 202. Traveler 208 may remain anonymous to the travelservice provider 210.

FIG. 3 shows an exemplary diagram 300 in accordance with principles ofthe disclosure. Exemplary diagram 300 may display the process forchecking in for a flight for the reservation reserved in FIG. 2 , usingthe token identifier.

Traveler 308 may approach airport check-in terminal 310. Traveler 308may use the mobile device 304 to authenticate the identity of traveler308 and confirm the flight. At step 1, 316, payload may be transmittedto the airport check-in terminal 310. The payload may include a tokenidentifier generated by mobile token application 306. The payload mayalso include the device identifier. The payload may also include thegeolocation of mobile device 304, in real-time.

Airport check-in terminal 310 may include a token reader 312. The tokenreader 312 may retrieve the payload. At step 2, 318, the payload may betransmitted to the central server 302 in order to authenticate thetraveler. Airport check-in data may also be transmitted to the centralserver 302, at step 2, 318. Central server 302 may search the databaseto identify a user identifier associated with the token identifier anddevice identifier included in the payload.

At step 3, 320, central server 302 may verify the payload with the useridentifier. User 101 may be identified to be associated with the tokenidentifier and the device identifier for reservation A. Prior toconfirming the reservation, central server 302 may retrieve thegeolocation directly from mobile device 304, as shown at step 4A, 324.Central server may check and confirm that the retrieved geolocationmatches the geolocation included in the payload and further matches thegeolocation retrieved within the airport check-in data at step 318.

Upon confirmation that the geolocation of the airport check-in terminal310 matches the geolocation of the mobile device 304 and further thatthe device identifier and token identifier are determined to beassociated with the user identifier 101 of traveler 308, central server302 may transmit a verification message to airport check-in terminal 310as shown at step 4B, 326.

Following verification, central server 302 may add the payload data andcheck-in data to the record associated with token serial number 123within a record list 314, as shown at step 5, 328. At this point in theprocess, traveler 308 may be authenticated and may be enabled to travel.It should be appreciated that the checking-in of the traveler may beenabled without identifying the traveler's identity and yetauthenticating the traveler through a secure central system.

FIG. 4 shows an exemplary flowchart 400 in accordance with principles ofthe disclosure. The steps in the process may occur at the self-check-interminal 410. Self-check-in terminal 410 may be in direct communicationwith central server 402 in order to authenticate the traveler 404associated with mobile device 406.

At step 412, traveler 404 may scan the mobile device 406 at the terminal410. At step 414, a token identifier may be retrieved from mobile device406. Token identifier may be generated by the mobile token application408.

At step 416, the token identifier may be transmitted to the centralserver for authentication. Central server 402 may search the database toidentify a reservation associated with the token identifier.

At step 418, central server 402 may identify the reservation and confirmthe token identifier to be associated with the user identifier anddevice identifier of the traveler 404. Upon verification andconfirmation to the self-check-in terminal 410, a message may bedisplayed at the computing station of the self-check-in terminal 410notifying the traveler 404 that a reservation associated with yourmobile device has been identified.

FIG. 5 shows an exemplary diagram 500 in accordance with principles ofthe disclosure. FIG. 5 may be a continuation of the process shown inFIG. 4 .

As an additional layer of authentication, the traveler may be requestedto input a biometric, as shown at step 512. In this example, afingerprint scan may be requested. Biometrics associated with thetraveler may be stored at the central server within the recordsassociated with the user.

Upon verification of the fingerprint at the central server to beassociated with traveler 504, central server 502 may transmit acommunication to the mobile device 506, as shown at 514. Thecommunication may include a one-time password. When the travelerreceives the one-time password on mobile device 506, traveler 504 mayinput the OTP into a display box as shown at 516.

Central server 502 may confirm the OTP and confirm the reservation fortraveler 504, as shown at 518.

Thus, methods and apparatus for leveraging a tokening system toauthenticate a traveler is provided. Persons skilled in the art willappreciate that the present invention can be practiced by other than thedescribed embodiments, which are presented for purposes of illustrationrather than of limitation, and that the present invention is limitedonly by the claims that follow.

What is claimed is:
 1. A method for leveraging a tokening system toauthenticate a traveler, the tokening system maintaining anonymity ofthe traveler, the method comprising: activating a mobile tokenapplication on a user's mobile device, the mobile token applicationassociated with a central server, the mobile token application forproviding a token identifier representing the user's personalidentification data, the mobile token application being activated andstored in a secure storage on a mobile device of the user, the mobiledevice of the user registered within the central server; storing, in thecentral server, a user identifier that identifies the user of the mobiledevice, a token serial number that identifies the mobile tokenapplication and a device identifier that identities the mobile device;and reserving, using the mobile token application on to mobile device, atravel reservation tile for a travel reservation for the user using atleast one travel service provider, the travel service provider in directcommunication with the central server, the reserving comprising:receiving, at the travel service provider, a token identifier front themobile token application on the user's mobile device and the deviceidentifier; transmitting the token identifier and the device identifierfrom the travel service provider to the central server; authenticatingthe token identifier and the device identifier by the central server: inresponse to the authenticating: reserving, by the travel serviceprovider, the travel reservation file comprising the token identifier asrepresentation of the identity of the user; storing the travelreservation file at the travel service provider; and storing, in thecentral server, the token identifier and the travel reservation file ina record associated with the user identifier.
 2. The method of claim 1wherein the mobile token application is a temporary mobile tokenapplication and the central server is configured to terminate the mobiletoken application after a pre-determined amount of time.
 3. The methodof claim 2 wherein the pre-determined amount of time is a date ofexpiration of the travel reservation.
 4. The method of claim 1 whereinthe token identifier is generated by the mobile token application. 5.The method of claim 1 wherein the token identifier is one of a uniqueidentifier, QR code and a one-time password (“OTP”).
 6. The method ofclaim 1 wherein the user's personal identification data comprises a nameof the user, date of birth of the user and social security number of theuser.
 7. The method of claim 1 wherein the mobile token application onthe user's mobile device is linked to the personal identification datastored on the central server, solely via the central server.
 8. A systemfor leveraging a tokening system to authenticate a traveler, theauthentication without exposing an identity of the traveler, the systemcomprising: a central server configured to store personal identificationdata associated with a plurality of users; a mobile token applicationconfigured to be activated by the central server on a mobile device of auser associated with the central server, the mobile device registeredwith the central server by a device identifier, the user from theplurality of users; the mobile device in direct communication with thecentral server, the mobile device configured to store the mobile tokenapplication on the mobile device; a travel service provider in directcommunication with the central server, the travel service providerconfigured to enable reserving a travel reservation file, the travelreservation file being reserved for the user while maintaining anonymityof the user's identity, the travel service provider comprising a tokenreader for retrieving token identifiers from a user's mobile device asrepresenting the identification of each user; wherein, when the mobiledevice is in communication with the travel service provider, the centralserver is configured to: transmit the mobile token application to themobile device; and activate the mobile token application on the mobiledevice; the mobile token application is configured to: generate a tokenidentifier for use as identity of the user of the mobile device; andtransmit the token identifier to the travel service provider for atravel reservation; and the central server is further configured to;receive the token identifier from the travel service provider; verifythe token identifier to be associated with the mobile device of theuser; confirm the verification with the travel service provider; andstore the travel reservation within a token record associated with theuser on the central server.
 9. The system of claim 8 wherein the mobiletoken application resides, temporarily, on the mobile device.
 10. Thesystem of claim 8 wherein the personal identification data stored on thecentral server comprises, for each of the plurality or users, a name ofthe user, date of birth of the user and social security number of theuser.
 11. The system of claim 10 wherein the personal identificationdata is stored on a database on the central server.
 12. The system ofclaim 8 wherein the database is further configured to store a tokenrecord for each of the plurality of users, the token record comprisingdata associated with each token identifier generated by the mobile tokenapplication on the mobile device of the user.